Honestly, I don't fully understand charlie b's post so I'm not sure I am at odds with him or not.
Art 702 covers optional standby systems. 702.1 states, in part:
The systems covered by this article consist of those that are permanently installed in their entirety, including prime movers, and those that are arranged for a connection to a premises wiring system from a portable alternate power supply.
To me the "optional" is the option of having a system or not as opposed to one being required.
If you elect to install an optional standby system whether the optional supply be permanent or portable, and you employ automatic transfer equipment, then you must comply with 702.5(B)(2):
(2) Automatic Transfer Equipment. Where automatic transfer equipment is used, an optional standby system shall comply with (2)(a) or (2)(b).
(a) Full Load. The standby source shall be capable of supplying the full load that is transferred by the automatic transfer equipment.
(b) Load Management. Where a system is employed that will automatically manage the connected load, the standby source shall have a capacity sufficient to supply the maximum load that will be connected by the load management system.
In my opinion, this would mean your system would need to be designed
to supply the calculated load unless you employee some load management system.